Temporary Disability (Hospitalization) Relief Scheme 2026
This scheme offers crucial insurance protection to powerloom weavers, covering natural death, accidental death, and disability. Read More... Read less
Details
The Indian government's 'Group Insurance Scheme for Powerloom Weavers' is a vital safety net for those working in the powerloom sector. First introduced in July 2003 and later revised in January 2008, this scheme partners with the Life Insurance Corporation (LIC) of India to provide comprehensive insurance coverage.
What Is This Scheme?
Essentially, this is a combined insurance plan, originally comprising the 'Janshree Bima Yojana (JBY)' and the 'Add-on Group Insurance Scheme (AGIS)'. It aims to give powerloom weavers peace of mind by insuring them against unfortunate events like natural death, accidental death, and permanent or partial disability resulting from accidents.
Who Can Benefit From This Scheme?
The scheme is designed for powerloom workers and weavers, including those involved in allied pre-weaving activities like twisting, winding, warping, and sizing. Even self-employed weaver families with up to four looms can benefit.
Why This Scheme Is Important
In an industry where risks are inherent, this scheme provides a crucial financial cushion to weavers and their families. It ensures that in the event of an unforeseen tragedy, they receive financial support, helping them to cope with the loss and continue their lives with dignity. The scheme also encourages education for the children of these weavers.
Objective
Benefits
Sources and references
Eligibility Criteria
- Powerloom weavers aged between 18 and 59 years.
- The scheme is open to all powerloom workers and weavers, regardless of whether they are Below Poverty Line (BPL) or Above Poverty Line (APL).
- It covers families involved in weaving on powerlooms and related pre-weaving activities like twisting, winding, warping, and sizing.
- Self-employed weaver families owning a maximum of four looms are also eligible.
- For the purpose of this scheme, 'family' includes the beneficiary and their spouse. Only one of them can be covered under the scheme.
- The insurance is provided on a yearly basis. Members can continue their insurance by paying the premium annually, up to the age of 59 years.
How To Apply
The scheme is implemented in collaboration with the Life Insurance Corporation (LIC) of India. Regional Offices of the Textile Commissioner act as nodal agencies. They are responsible for making weavers aware of the scheme, enrolling new members, and helping them with the application process.
For detailed information on the application process, you may contact the nearest Regional Office of the Textile Commissioner or visit the official website for any updates or application forms.
Official Contact:
Office of the Textile Commissioner,
Ministry of Textiles, Government of India.
Implementation Partner:
Life Insurance Corporation (LIC) of India.
Documents Required
- Photo-Identity card
- Proof of Age (any documentary evidence)
- Death Certificate (if applicable)
- Police Complaint (FIR) (in case of accidents)
- Post-Mortem Report (if applicable)
- Medical Certificate (if applicable)
- Discharge Certificate (in case of injury)
- Self-Certification
- Any other relevant documents as required by the scheme authorities.
FAQ’s
What is the main goal of this insurance scheme for powerloom weavers?
The primary goal is to offer financial protection to powerloom weavers. This includes coverage for natural death, accidental death, and any partial or permanent disability that happens due to an accident.
Can workers doing pre-weaving jobs apply for this scheme?
Yes, absolutely. The scheme covers not only weavers but also workers involved in allied pre-weaving tasks such as twisting, winding, warping, and sizing.
What financial aid is available for the education of weavers' children?
The scheme provides an educational grant of ₹600 per child every six months. This applies to two children studying from Class IX to Class XII, for a maximum of four years under the Shiksha Sahayog Yojana (SSY).
If I pay the premium, how long is my insurance coverage valid?
Your insurance coverage is valid for one year from the date of premium payment. You can renew this insurance every year by paying the premium, up until you reach the age of 59.
How is 'family' defined for coverage under this scheme?
For the purpose of this scheme, 'family' includes the main beneficiary and their spouse. Importantly, only one person from the family (either the beneficiary or their spouse) can be covered under the insurance.
What are the benefits if a weaver dies due to an accident?
In the unfortunate event of death by accident, a sum of ₹1,50,000/- will be paid to the nominee.
What is the total annual cost of the insurance for a weaver?
The total annual premium is ₹470 per member. The Government of India contributes ₹290, the weaver contributes ₹80, and ₹100 comes from the Social Security Fund.
Are self-employed weavers with their own looms eligible?
Yes, self-employed weaver families who own up to four looms are eligible to join this scheme.
What if a member stops paying premiums for some time?
If a member lapses in premium payment, they can rejoin the scheme by paying the required premium. This allows them to continue their insurance coverage.
Who is responsible for implementing this insurance scheme?
The scheme is jointly implemented by the Office of the Textile Commissioner and the Life Insurance Corporation (LIC) of India. The Regional Offices of the Textile Commissioner act as key points of contact for weavers.
What documents are needed to claim benefits for an accident?
For accident-related claims, you will generally need a Photo-Identity card, proof of age, a Police Complaint (FIR), and a Post-Mortem Report if applicable. A Medical Certificate and Discharge Certificate might also be required for injuries.
Is the premium paid for this scheme refundable?
No, once the premium is paid, it is non-refundable. The premium covers the insurance for one year.
What is the age range for eligible powerloom weavers?
Powerloom weavers who are between 18 and 59 years of age are eligible to join this insurance scheme.
What is the benefit for permanent partial disability due to an accident?
If a weaver suffers a permanent partial disability due to an accident, a sum of ₹75,000/- will be paid.
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